1. I can sleep at night. I feel fantastic about what I have been able to do for people. I have delivered over $20,000,000.00 in death claims to friends and family during their time of deepest sorrow and distress. I've helped people retire, I have helped people become debt free. I have created 100s of jobs.2. I can make pretty good money. For 34 years I've earned between $100,000 and 250,000 a year.3. I'm FREE. I have no boss, can set my own hours and call my own shots and have the company pay for fabulous trips to the exotic and desirable places in the world.

Cons

It isn't the company's fault but there is negative press on the internet that portrays the company incorrectly. It is frustrating when clients will believe the negative stuff and you know that they will be the ones that are hurt by it.

Great money earning potential. Manage your own time. You're in business for yourself, not by yourself. Lots of support and a largely untapped market.

Cons

Because Representatives earn through recruits as well as products, recruiting is emphasized. Thus, creating an external view of the company that is of a pyramidal structure in nature or "hierarchy" as it's called. Unfortunately, from the outset the company does have a "pyramid scheme" reputation. However, if you have a strong sales backbone, you won't let that get in the way of your success. Also, like in any investment business where you manage your own decisions, when you're starting out; you must tap into your personal contacts in order to create a book of business and stay in what is called a "warm market."

Advice to ManagementAdvice

Devote time to providing a serious, structured training program and/or seminars for licensed Representatives on Life Insurance, Mutual Funds and other products. There is no guideline or detailed paths to follow for orientation. As a result, many newcomers feel disoriented, despite the big dreams that are promoted by other Reps. with their projected presentations.